Are you doing reasearch to find low-cost Ford Fusion insurance in Rochester? If you are new to online auto insurance, by this point your are probably baffled by the vast number of online auto insurance companies and websites all promising to save you money.
Statistics show that almost 70% of drivers kept their policy with the same company for over three years, and about 40% of consumers have never compared rates to find cheaper insurance. Drivers in Minnesota can save $1,040 each year, but most undervalue the amount of money they would save if they bought a different policy.
Smart consumers take time to shop coverage around on a regular basis because prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest price on Ford Fusion insurance in Rochester last year there may be better deals available now. You can find a lot of information about Fusion insurance out there, but in this article, you're going to get some good information on how to stop overpaying for insurance in Rochester.
Finding quotes for the lowest-priced car insurance policy in Rochester is quite easy. Basically, every person who quotes car insurance will more than likely be able to find lower rates. But Minnesota vehicle owners do need to understand how the larger insurance companies compete online and use it to find better rates.
Affordable Rochester auto insurance quotes with discounts
Some companies don't list every policy discount in an easy-to-find place, so the list below contains a few of the more common and also the lesser-known credits available to lower your premiums when you buy Rochester car insurance online. If they aren't giving you every credit possible, you are just wasting money.
- Pay Early and Save - If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
- Discount for Home Ownership - Just owning your own home can save you money since owning and maintaining a home demonstrates responsibility.
- Accident Free - Insureds with no claims or accidents get the best auto insurance rates when compared with insureds who have frequent claims or accidents.
- Distant Student - Older children living away from Rochester attending college and won't have access to an insured vehicle could get you a discount.
- Drive Less and Save - Driving fewer miles may enable drivers to earn cheaper premium rates.
It's important to understand that many deductions do not apply to the entire cost. Some only apply to the price of certain insurance coverages like medical payments or collision. Even though the math looks like it's possible to get free car insurance, that's just not realistic.
Larger auto insurance companies and some of the discounts are shown below.
- American Family has discounts for early bird, accident-free, mySafetyValet, good driver, multi-vehicle, and TimeAway discount.
- Nationwide may offer discounts for Farm Bureau membership, easy pay, accident-free, anti-theft, business or organization, and family plan.
- MetLife has savings for multi-policy, good driver, good student, claim-free, and accident-free.
- 21st Century discounts include homeowners, automatic seat belts, defensive driver, teen driver, anti-lock brakes, and theft prevention.
- Farmers Insurance offers discounts for teen driver, multi-car, good student, business and professional, bundle discounts, distant student, and youthful driver.
- Allstate offers discounts including good payer, good student, premier discount, defensive driver, eSmart discount, FullPay discount, and farm vehicle.
When comparing rates, check with each company or agent which discounts can lower your rates. Savings might not be available to policyholders in your state.
To get inexpensive Rochester car insurance quotes, there a variety of ways to compare prices from auto insurance companies in your area. The simplest method to compare rates is to get quotes online.
It's important to know that comparing a wide range of rates helps increase your odds of locating lower pricing.
The companies shown below provide free quotes in Rochester, MN. If multiple providers are shown, we recommend you visit as many as you can to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$130||$254||$334||$20||$100||$838||$70|
|Fusion SE 4-Dr Sedan||$264||$598||$358||$22||$108||$1,350||$113|
|Fusion Hybrid 4-Dr Sedan||$164||$398||$516||$30||$154||$1,262||$105|
|Fusion SEL 4-Dr Sedan||$166||$300||$324||$20||$96||$906||$76|
|Fusion Sport 4-Dr Sedan||$316||$486||$416||$24||$124||$1,366||$114|
|Fusion SEL AWD 4-Dr Sedan||$344||$668||$318||$18||$94||$1,442||$120|
|Fusion Sport AWD 4-Dr Sedan||$240||$510||$412||$24||$124||$1,310||$109|
|Get Your Own Custom Quote Go|
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price estimates do not factor in specific location which can revise premium rates considerably.
Auto insurance deductibles
The illustration below demonstrates how choosing different deductibles and can raise or lower Ford Fusion insurance rates for each different age group. The rate quotes are based on a married male driver, full coverage, and no discounts are applied to the premium.
How Insurance Providers Determine Ford Fusion Insurance Premiums
Many different elements are part of the calculation when pricing auto insurance. Some are pretty understandable like an MVR report, although others are less obvious such as your credit history or how safe your car is.
Married people drive safer - Getting married may cut your premiums when shopping for auto insurance. Marriage is viewed as being more financially stable and insurance companies like that drivers who are married file infrequent claims.
Lower miles driven equals lower premium - The more miles you rack up on your Ford in a year's time the more it will cost to insure it. Many insurance companies charge to insure your cars based on how the vehicle is used. Cars that do not get driven very much receive lower rates than vehicles that are driven to work every day. Make sure your vehicle rating states how each vehicle is driven. An improperly rated Fusion can cost quite a bit.
How your age affects premiums - Young drivers in Minnesota are proven to be more careless behind the wheel and because of this, their auto insurance rates are much higher. Older people have been proven to be more responsible, tend to file fewer claims, and receive fewer citations.
Gender is a factor - Statistics have proven that women are safer drivers than men. This data doesn't prove that men are WORSE drivers than women. Females and males cause fender benders at about the same rate, but the males tend to have higher claims. Men also receive more major tickets like DUI and reckless driving.
Insurance premiums and vehicle performance - The performance level of the car you are buying insurance for makes a huge difference in the rate you pay. The lowest rates will generally be found on low performance passenger models, but there are many factors that impact the final cost. Because the Ford Fusion falls in the passenger car class, insurance will be similar in price or lower when compared to the average rates in Rochester.
Your location is a factor - Being located in less populated areas is a positive aspect when buying auto insurance. Drivers who live in large cities tend to have more road rage incidents and longer commute times. Lower population translates into fewer accidents as well as less vandalism and auto theft.
Ford Fusion insurance loss statistics - Companies use past loss statistics for each vehicle to help determine the price you pay. Models that historically have higher prevalence or dollar amount of losses will cost more for coverage.
The table below illustrates the collected loss data for Ford Fusion vehicles. For each policy coverage type, the claim amount for all vehicles compiled together is equal to 100. Numbers that are below 100 indicate better than average losses, while numbers above 100 indicate a higher chance of having a claim or a tendency for losses to be larger than average.
Ford Fusion Insurance Claim Statistics
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Ford Fusion 2WD||110||95||108||116||111||105|
|Ford Fusion 4WD||115||85||120||88||77||71|
|Ford Fusion Hybrid||125||97||98||92||93||95|
|Ford Fusion Plug-in Hybrid||128||87||91||88||91||107|
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance agents can help
Always remember that when buying the best car insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone's needs are different.
These are some specific questions may help highlight if your situation would benefit from professional advice.
- Is my custom stereo system covered?
- How can I get high-risk coverage after a DUI?
- Am I covered if I hit someone who is not insured?
- Which companies will insure me after a DUI?
- When should I drop full coverage on my Ford Fusion?
- Is my nanny covered when transporting my kids?
- Will damage be repaired with OEM parts?
- Is my state a no-fault state?
- How high should deductibles be on a Ford Fusion?
- Am I covered if I wreck a rental car?
If you don't know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form.
Local Rochester insurance agents
A lot of people just prefer to sit down with an agent and doing so can bring peace of mind A good thing about getting free rate quotes online is you can get lower rates and also buy local. Buying from and supporting local agents is especially important in Rochester.
By using this form (opens in new window), your insurance coverage information is immediately sent to local insurance agents that can give you free Rochester car insurance quotes for your insurance coverage. You won't even need to find an agent since price quotes are sent to your email. You can most likely find cheaper rates without requiring a lot of work. If you wish to get a rate quote from a specific insurance company, you can always navigate to their website and fill out the quote form the provide.
Do you need an independent or exclusive car insurance agent?
If you are wanting to find a local insurance agency, you must know there are a couple types of agencies and how they are slightly different. Agents in Rochester are classified as either exclusive or independent agents depending on their company appointments.
Independent Car Insurance Agents (or Brokers)
Independent insurance agents do not work for one specific company so they can write business through many different car insurance companies and get the cheapest rates. To move your coverage to a new company, they simply move your policy to a different company and you can keep the same agent.
When comparing car insurance prices, you need to contact independent agents to get the most accurate price comparison. Many can place coverage with smaller mutual companies who may have lower rates.
Featured below is a partial list of independent agents in Rochester who may be able to give you competitive price quotes.
- Sandvik Insurance
826 S Broadway - Rochester, MN 55904 - (507) 226-8481 - View Map
- John W Pagelkopf Agency
1500 1st Ave NE #216 - Rochester, MN 55906 - (507) 289-7877 - View Map
- Sterling State Bank
5600 US-52 - Rochester, MN 55901 - (507) 252-7220 - View Map
Agents in the exclusive channel can usually just insure with one company such as AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot provide other company's prices so they have to upsell other benefits. They are well schooled in insurance sales which helps them compete with independent agents. Some people will only buy from the same agent for years primarily because of the prominent brand name and strong financial ratings.
Below are exclusive insurance agencies in Rochester that are able to give rate quotes.
- Farm Bureau Financial Services - Suemaya Azadi
2300 Superior Dr NW #1 - Rochester, MN 55901 - (507) 216-9980 - View Map
- American Family Insurance - Shawn Capelle Agency Inc.
3334 19th St NW #204 - Rochester, MN 55901 - (507) 285-9927 - View Map
- Farm Bureau Financial Services
1312 7th St NW - Rochester, MN 55901 - (507) 721-3064 - View Map
Choosing an insurance agency shouldn't rely on just the quoted price. The following questions are important to ask.
- How much experience to they have in personal lines coverages?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Are aftermarket or OEM parts used to repair vehicles?
- Do the companies they represent have a solid financial rating?
- Does the agent have a valid license to sell insurance in Minnesota?
Auto insurance does more than just protect your car
Despite the fact that auto insurance is not cheap in Rochester, insuring your vehicle is mandatory in Minnesota but it also protects more than you think.
First, most states have compulsory liability insurance requirements which means state laws require a specific minimum amount of liability insurance coverage in order to be legal. In Minnesota these limits are 30/60/10 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you took out a loan on your vehicle, more than likely the lender will have a requirement that you have comprehensive coverage to protect their interest in the vehicle. If you do not keep the policy in force, the bank will be required to insure your Ford at a more expensive rate and force you to pay much more than you were paying before.
Third, insurance protects both your Ford and your assets. It also can pay for medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also covers legal expenses if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, your policy will pay to repair the damage.
The benefits of having auto insurance definitely exceed the price paid, specifically if you ever have a liability claim. The average driver in Minnesota is wasting up to $820 a year so smart consumers compare quotes each time the policy renews to be sure current rates are still competitive.
As you prepare to switch companies, it's a bad idea to sacrifice coverage to reduce premiums. There are many occasions where an insured cut liability coverage limits and discovered at claim time they didn't purchase enough coverage. Your focus should be to purchase plenty of coverage for the lowest price while still protecting your assets.
Some companies may not have rate quotes online and many times these small insurance companies only sell coverage through independent agencies. Lower-priced car insurance in Rochester is attainable on the web and also from your neighborhood Rochester agents, and you should compare rates from both to have the best selection.
Insureds change insurance companies for any number of reasons including an unsatisfactory settlement offer, lack of trust in their agent, poor customer service and even denial of a claim. Regardless of your reason, finding a new company can be easier than you think.
More information is available at these links:
- Cellphones, Texting and Driving (iihs.org)
- Who Has Affordable Auto Insurance Quotes for a Honda Accord in Minnesota? (FAQ)
- Who Has Affordable Car Insurance Quotes for a Mazda CX-7 in Minnesota? (FAQ)
- How Much is Auto Insurance for 19 Year Olds in Minnesota? (FAQ)
- Who Has Cheap Car Insurance Rates for a GMC Sierra in Minnesota? (FAQ)
- How to Avoid Staged Accidents (State Farm)
- Information for Teen Drivers (GEICO)